Basic functions

mWallet is a Payment App and Mobile Wallet platform turning a smartphone into a cashless payment tool and storage for different digitized values.
Mobile Wallet provides a convenient way for users to make On-Line, In-App and In-Store payments (using NFC or QR-code), make P2P transfers, manage loyalty cards, electronic tickets, mobile gifts, financial products etc.
But mWallet is also a great way for unbanked people to pay, send, receive and manage money.

Key mWallet elements

Registration, authorization, customer profile and KYC

	mWallet uses Phone Authentication. 1. The customer enter his phone number. 2. mWallet sends a temporary one-time password (OTP) via SMS. 3. The customer authenticates by entering the OTP on mobile App. 4. mWallet automatically creates a profile and allows the user to log in. 5. The customer create his own 4-digit PIN code
	mWallet uses 4-digit PIN code or Fingerprint authorization.
	Customer may store any personal data and download any documents from the customer profile. The exact set of fields depends on project types.

You may use KYC module for complete identification.
1. After basic registration, all users are unidentified and have access to the limited mWallet functions.
2. In order to confirm identification customer has to contact an Agent.
3. Agent verifies and corrects personal information using Web or Mobile Administrative Tool using special access.
4. Agent register identification mark on the customer profile.
5. Customer receives access to full mWallet functionality.

Different Payment tools could be connected to the wallet

	Own Digital or eWallet (Pre-Paid payment tool, like electronic or mobile money) – you may find more details here
	Any other existing wallets On the exact market
	Credit and Debit Cards: international (Visa and MasterCard) or local (for international cards we may link with MasterPass or Visa Checkout solution or with any PCI DSS compliant partner to store card credentials)
	Banking accounts - we may link directly with the specified banks or any payment gateway
	Digital currency

Offers

	News – special option allows informing all customers about any important news
	Advertising banners – you may run special advertising campaigns using this tool (for wallet internal requirements or for any merchant or service provider)
	App Push notifications – you may run different direct marketing campaigns for different groups of customers and make special offers based on specific customer needs

Customer care

	FAQ – all answers to frequently asked questions customer may find in special chapter
	Help – using the App customer may send any questions/requests via email or contact the hotline
	Chat – we have linked mWallet directly to Telegram messenger to provide your customer with an instant support through the chat